NOTICE OF FORECLOSURE SALE MECKLENBURG COUNTY 26SP001702-590 Under and by virtue of the power of sale contained in that certain deed of trust executed by DANICA JOSEPH dated October 17, 2022 to SAM GAVEN, Trustee for AMERICAN AIRLINES FEDERAL CREDIT UNION, recorded in Book 37736, Page 585, MECKLENBURG County Registry; default having been made in payment of the indebtedness thereby secured; and the necessary findings to permit foreclosure having been made by the Clerk of Superior Court of MECKLENBURG County, North Carolina; the undersigned Substitute Trustee will offer for sale at public auction to the highest bidder for cash, the property conveyed in said deed of trust, the same lying and being in the County of MECKLENBURG and State of North Carolina, and more particularly described as follows: Lying and being situate in Mecklenburg County, North Carolina, and being more particularly described as follows: Being all of Unit 217, Foxridge Lofts Condominiums, together with an undivided interest in and to the common elements, as described in the Declaration of Condominium for Foxridge Lofts Condominiums recorded in Book 19026, Page 532, in the Mecklenburg County Public Registry, as may be amended and supplemented from time to time, said condominium on file in registry in Unit Ownership File No. 746, Page 1. Reference is hereby made to the Foxridge Lofts Declaration and to the aforesaid Plats and Plans for a more specific description of the condominium units conveyed. PROPERTY ADDRESS/LOCATION: 201 S Hoskins Rd. Unit 217, Charlotte NC 28208-1460; DATE OF SALE: August 24, 2026 TIME OF SALE: 2:30 P.M. LOCATION OF SALE: MECKLENBURG County Courthouse; RECORD OWNER(S): Danica Joseph TERMS OF THE SALE: (1) This sale will be made subject to: (a) all prior liens, encumbrances, easements, right-of-ways, restrictive covenants or other restrictions of record affecting the property; (b) property taxes and assessments for the year in which the sale occurs, as well as any prior years; (c) federal tax liens with respect to which proper notice was not given to the Internal Revenue Service; (d) federal tax liens to which proper notice was given to the Internal Revenue Service and to which the right of redemption applies; and (e) the right of payoff or reinstatement of the loan as permitted by law. (2) The property is being sold "as is". Neither the beneficiary of the deed of trust, nor the undersigned Substitute Trustee, makes any warranties or representations concerning the property, including but not limited to, the physical or environmental condition of the property. Further, the undersigned Substitute Trustee makes no title warranties with respect to the title to the property. (3) The highest bidder will be responsible for the payment of revenue stamps payable to the Register of Deeds and any final court and/or auditing fees payable to the Clerk of Superior Court which are assessed on the high bid resulting from this foreclosure sale. (4) At the time of the sale, the highest bidder will be required to make a cash deposit of five percent (5%) of the bid, or $750.00, whichever is greater, with the remaining balance of the bid amount to be paid on the day following the expiration of the applicable ten (10) day upset bid period. (5) Any person who occupies the property pursuant to a rental agreement entered into or renewed on or after October 1, 2007, mayafter receiving this Notice of Foreclosure Sale, terminate the rental agreement by providing written notice of termination to the landlord, to be effective on a date stated in the notice that is at least 10 days, but no more than 90 days, after the sale date contained in this Notice of Foreclosure Sale, provided that the mortgagor has not cured the default at the time the tenant provides the notice of termination. Upon termination of a rental agreement, the tenant is liable for rent due under the rental agreement prorated to the effective date of the termination. (6) An order for possession of the property being sold may be issued pursuant to N.C.G.S. §45-21.29 in favor of the purchaser and against the party or parties in possession, by the Clerk of Superior Court of the county in which the property is sold. (7) If the sale is set aside for any reason, or if the Trustee is unable to convey title to the property being foreclosed for any reason, the purchaser at the sale shall be entitled only to return of the deposit paid. The purchaser shall have no further recourse against the Mortgagor, the Mortgagee, the Mortgagee's attorney, or the Substitute Trustee. Date: July 27, 2026 SMITH DEBNAM NARRON DRAKE SAINTSING & MYERS, L.L.P. John M. Sperati, Substitute Trustee PO Box 176010 Raleigh, NC 27619-6010 (919) 250-2000 Fax: (919) 250-2211 Published Aug 14 and 21, 2026 IPL0363021 Aug 14,21 2026